See: value added network (VAN) .
Insurance Encyclopedia
Vandalism and Malicious Mischief
The willful injury or destruction of property e.g., throwing stones through the window of a home and damaging home furnishing would be vandalism and can be insured against by extending coverage of a Fire Insurance Policy.
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Once treated as a separate peril to be added to a property policy or not, current property forms routinely include the protection. While not defined in the policy, vandalism is generally seen to require some intent to cause damage or harm, while malicious mischief requires some level of malice. Children may toilet paper a house intentionally but with no malice an ex-lover may set fire to the bushes with malicious intent.
Vandalism and malicious mischief (VMM) (Property Insurance)
A peril that is typically included in homeowners insurance and basic commercial forms. The intentional destruction of or damage to property.
Vandalism insurance
Type of insurance coverage that protects an individual against loss and damage to property caused by a willful act.